MainStreet Bancshares (MNSB) AI Stock Analysis

• Market Cap: $143.79M
• Dividend Yield: 1.99%
• Average Volume (3M): 31.87K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.62
• Revenue Growth: 1.92%
• EPS Growth: -174.59%
• Country: US
• Employees: 182
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.52
• Shares Outstanding: 7,705,900
• 10 Day Avg. Volume: 21,887
• 30 Day Avg. Volume: 31,869
• PEG Ratio: 0.09
• Price to Book (P/B): 0.66
• Price to Sales (P/S): 1.00
• P/FCF Ratio: 15.38
• Enterprise Value/Market Cap: 1.55
• Enterprise Value/Revenue: 1.61
• Enterprise Value/Gross Profit: 3.22
• Enterprise Value/Ebitda: -161.41
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Hold
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 44 Neutral
• Price Target: $17.50 ▼(-11.26% Downside)

MainStreet Bancshares faces significant financial and technical challenges. The most impactful factors are the negative financial performance, with declining revenue and profitability, and bearish technical indicators. The valuation is also unattractive due to negative earnings. These factors collectively result in a low overall stock score.

Positive Factors

Balance Sheet Health

A stable debt-to-equity ratio indicates a solid capital structure, providing financial stability and the capacity to manage debt effectively.

Free Cash Flow Growth

Strong free cash flow growth suggests robust cash generation, enabling the company to reinvest in growth opportunities and maintain financial flexibility.

Community Banking Focus

A focus on community banking can strengthen customer relationships and loyalty, providing a competitive advantage in local markets.

Negative Factors

Revenue Decline

Declining revenue growth indicates challenges in market demand or competitive positioning, potentially impacting long-term business sustainability.

Negative Profitability

Negative margins reflect operational inefficiencies and could limit the company's ability to reinvest in growth or weather economic downturns.

Low Cash Flow Conversion

Low cash flow conversion can strain liquidity, affecting the company's ability to fund operations and invest in future growth.

MainStreet Bancshares Business Overview & Revenue Model

Company Description

MainStreet Bancshares, Inc. operates as the bank holding company for MainStreet Bank that provides various banking products and services for individuals, small to medium-sized businesses, and professional service organizations. The company offers demand, NOW, money market, savings, and sweep accounts, as well as certificates of deposit; business and consumer checking, interest-bearing checking, business account analysis, and other depository services; and cash management, wire transfer, check imaging, remote deposit capture, and courier services. It also provides commercial loans, including government contract receivables, plant and equipment, general working capital, contract administration, and acquisition loans; commercial real estate, real estate construction, and residential real estate loans; and consumer loans comprising term loans and overdraft protection, as well as debit and credit cards. In addition, the company provides deposit insurance solutions; remote deposit of checks; and internet bill payment, online cash management, and online and mobile banking services. As of March 18, 2022, it operated six branches in Herndon, Fairfax, McLean, Leesburg, Clarendon, and Washington D.C., as well as 55,000 automated teller machines. MainStreet Bancshares, Inc. was incorporated in 2003 and is headquartered in Fairfax, Virginia.

How the Company Makes Money

MainStreet Bancshares generates revenue primarily through interest income from loans and mortgages, which constitute a significant portion of its earnings. The company earns interest on various types of loans, including commercial loans, residential mortgages, and consumer loans, while also collecting fees associated with these services. Additionally, MNSB generates non-interest income through service fees for account maintenance, ATM transactions, and other banking services. The company may also benefit from partnerships with local businesses and organizations, enhancing its community presence and driving business growth. Furthermore, effective asset management and investment strategies contribute to its overall profitability.

MainStreet Bancshares Financial Statement Overview

Summary

MainStreet Bancshares faces significant financial challenges, with declining profitability and cash flow constraints overshadowing its revenue growth. The balance sheet remains relatively stable, but the negative return on equity and cash flow issues raise concerns about the company's ability to sustain operations and generate shareholder value in the long term.

Income Statement

MainStreet Bancshares has experienced a significant decline in profitability over the TTM period, with negative net profit and EBIT margins indicating operational challenges. Despite a strong revenue growth rate of 70.8% TTM, the company struggles with cost management, as evidenced by the negative EBIT and EBITDA margins. The gross profit margin has improved slightly compared to the previous year, but the overall profitability remains a concern.

Balance Sheet

The balance sheet shows a moderate debt-to-equity ratio of 0.33 TTM, indicating a manageable level of leverage. However, the return on equity is negative, reflecting the company's inability to generate returns for shareholders. The equity ratio remains stable, suggesting a solid capital structure, but the declining ROE is a concern for future profitability.

Cash Flow

Cash flow analysis reveals a challenging situation with a decline in free cash flow growth by 26.2% TTM. The operating cash flow to net income ratio is low, indicating inefficiencies in converting income into cash. The free cash flow to net income ratio is below 1, further highlighting cash flow constraints. These factors suggest potential liquidity issues that need addressing.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	138.62M	137.87M	127.76M	88.68M	70.31M	69.52M
Gross Profit	69.22M	59.06M	78.44M	72.91M	60.82M	49.82M
EBITDA	-1.38M	-9.27M	35.57M	35.97M	30.32M	21.70M
Net Income	-4.61M	-9.98M	26.59M	26.67M	22.17M	15.72M
Balance Sheet
Total Assets	2.12B	2.23B	2.04B	1.93B	1.65B	1.64B
Cash, Cash Equivalents and Short-Term Investments	26.65M	48.92M	113.51M	111.56M	161.74M	223.35M
Total Debt	69.84M	73.04M	87.64M	172.25M	29.29M	14.83M
Total Liabilities	1.91B	2.02B	1.81B	1.73B	1.46B	1.48B
Stockholders Equity	218.36M	207.99M	221.52M	198.28M	188.79M	167.66M
Cash Flow
Free Cash Flow	8.98M	8.95M	25.63M	25.76M	24.82M	15.73M
Operating Cash Flow	13.69M	14.74M	31.63M	33.54M	29.12M	17.02M
Investing Cash Flow	-26.77M	-122.28M	-130.75M	-228.74M	-29.25M	-313.79M
Financing Cash Flow	-91.74M	200.73M	83.03M	232.59M	-14.20M	339.45M

MainStreet Bancshares Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 19.72
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For MNSB, the sentiment is Positive. The current price of 19.72 is above the 20-day moving average (MA) of 18.75, above the 50-day MA of 19.11, and above the 200-day MA of 18.90, indicating a bullish trend. The MACD of 0.22 indicates Negative momentum. The RSI at 68.86 is Neutral, neither overbought nor oversold. The STOCH value of 81.82 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for MNSB.

MainStreet Bancshares Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
FCAP	72 Outperform	$165.37M	11.22	11.84%	2.62%	11.36%	25.07%
BVFL	72 Outperform	$164.28M	16.96	5.32%	―	4.86%	-8.20%
LARK	71 Outperform	$147.82M	8.58	11.72%	3.01%	12.31%	39.46%
CZWI	69 Neutral	$166.15M	13.36	7.00%	2.08%	-2.16%	-9.35%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
CFBK	67 Neutral	$162.75M	9.40	9.18%	1.26%	2.33%	22.43%
MNSB	44 Neutral	$143.79M	-20.63	-2.07%	1.99%	1.92%	-174.59%

MainStreet Bancshares Corporate Events

MainStreet Bancshares Announces Stock Repurchase Program

On November 4, 2025, MainStreet Bancshares, Inc. announced the repurchase of 209,000 shares of its common stock at $18.54 per share under its stock repurchase program. This transaction reduced the company’s outstanding common stock to 7,496,571 shares and left $6.1 million available for future repurchases, reflecting a strategic move to manage its capital structure.

The most recent analyst rating on (MNSB) stock is a Hold with a $18.00 price target. To see the full list of analyst forecasts on MainStreet Bancshares stock, see the MNSB Stock Forecast page.

MainStreet Bancshares Announces Cash Dividend for Shareholders

On October 28, 2025, MainStreet Bancshares, Inc. announced a $0.10 per share cash dividend for common shareholders, to be paid on November 18, 2025, with a record date of November 11, 2025. The Board of Directors will review the company’s financial status and other factors before deciding on future dividends, highlighting their discretion in such financial decisions.

The most recent analyst rating on (MNSB) stock is a Hold with a $18.00 price target. To see the full list of analyst forecasts on MainStreet Bancshares stock, see the MNSB Stock Forecast page.

MainStreet Bancshares Reports Strong Q3 Earnings

MainStreet Bancshares, Inc. is a financial holding company operating in the banking sector, primarily through its subsidiary, MainStreet Bank, which offers a wide range of banking services including commercial and residential lending, and innovative online banking solutions.

MainStreet Bancshares Surpasses Expectations in Q3 2025

On October 27, 2025, MainStreet Bancshares, Inc. announced its third-quarter financial results, reporting a net income of $4.52 million and earnings per share of $0.52, surpassing market expectations. The company’s core net interest margin stood at 3.54%, and it remains well-positioned for future rate changes. The bank continues to see strong lending opportunities in various sectors and maintains strong asset quality. Additionally, the board authorized a new stock repurchase program of up to $10 million, replacing the previous program.

The most recent analyst rating on (MNSB) stock is a Hold with a $18.00 price target. To see the full list of analyst forecasts on MainStreet Bancshares stock, see the MNSB Stock Forecast page.

MainStreet Bancshares Announces New Stock Repurchase Program

On October 16, 2025, MainStreet Bancshares, Inc. announced a new stock repurchase program to buy back up to $10 million of its outstanding common stock. This initiative replaces the previous program from May 19, 2022, and will be executed at management’s discretion based on market conditions and other factors, with no guarantee of stock purchase. The program is expected to last 18 months but may be adjusted as needed.

The most recent analyst rating on (MNSB) stock is a Hold with a $18.00 price target. To see the full list of analyst forecasts on MainStreet Bancshares stock, see the MNSB Stock Forecast page.

MainStreet Bancshares Announces Upcoming Earnings Call

On October 14, 2025, MainStreet Bancshares, Inc. announced plans to hold a virtual webcast and quarterly earnings conference call on October 27, 2025, to discuss its third-quarter results and recent activities. This announcement indicates the company’s commitment to transparency and engagement with investors, potentially impacting stakeholder confidence and market perception.

The most recent analyst rating on (MNSB) stock is a Hold with a $21.50 price target. To see the full list of analyst forecasts on MainStreet Bancshares stock, see the MNSB Stock Forecast page.

MainStreet Bancshares Appoints Wendy Adeler Hall as Director

On September 18, 2025, MainStreet Bancshares, Inc. and MainStreet Bank announced the appointment of Wendy Adeler Hall as a director, effective October 16, 2025, filling the vacancy left by Elizabeth Bennett in 2024. Wendy Adeler Hall, a seasoned leader in the jewelry industry, brings extensive experience in business development, marketing, and philanthropy to the board. Her appointment is expected to enhance the company’s community engagement and business success, as she joins the Nominating and Compensation Committee as an independent director under Nasdaq standards.

The most recent analyst rating on (MNSB) stock is a Hold with a $24.50 price target. To see the full list of analyst forecasts on MainStreet Bancshares stock, see the MNSB Stock Forecast page.

MainStreet Bancshares Approves Indemnification Agreement for CFO

On August 21, 2025, MainStreet Bancshares, Inc. approved an indemnification agreement with Richard A. Vari, the Chief Financial Officer of MainStreet Bank. This agreement ensures that Vari will be indemnified to the fullest extent allowed by law for expenses and other amounts incurred in legal proceedings related to his role as an executive officer. The agreement also includes provisions for the advancement of defense expenses, which must be repaid if it is determined that indemnification is not warranted.

The most recent analyst rating on (MNSB) stock is a Hold with a $23.00 price target. To see the full list of analyst forecasts on MainStreet Bancshares stock, see the MNSB Stock Forecast page.